h1-arrowPublic Policy Issuesh1-arrow

blueberry pie

(This is a guest blog post by Leah Gonzalez, a master’s degree student in social work at the University of Texas in Austin and a graduate of Howard Payne University.)

I’ve been doing a lot of talking about the issues surrounding payday and auto title loans. I’ve read articles, academic studies, and just about anything related to the lenders and the consumers affected. I’ve done this research because I’m not able to give you a first-hand account of what it is like to be entrapped by a payday or auto title loan. Full Story »

car loan title

(This is a guest blog post by Leah Gonzalez, a master’s degree student in social work at the University of Texas in Austin and a graduate of Howard Payne University.)

Auto title loans have the similar promised quick fix solutions of payday loans, and often the same potential to cause just as much financial instability. I may not have been very clear making distinctions between payday lending and auto title lending in my previous posts, so I want to give some fair time to this lending practice. Full Story »

predatory lending

(This is a guest blog post by Leah Gonzalez, a master’s degree student in social work at the University of Texas in Austin and a graduate of Howard Payne University.)

While researching predatory lending and its impact, I found a fairly consistent voice of opposition from religiously affiliated organizations. Truthfully, this took me by surprise. Full Story »

payday loans

(This is a guest blog post by Leah Gonzalez, a master’s degree student in social work at the University of Texas in Austin.)

Since the Texas legislature meets every other year a lot of work needs to be done during the interim. Payday and auto title lending policy is no different. Several cities throughout Texas have passed ordinances that take further measures to protect their residents from becoming entrapped in the payday and auto title lending cycle. Full Story »

Leah Gonzalez

Hello! My name is Leah Gonzalez, and I’m pursuing my master’s degree in social work at the University of Texas in Austin. I graduated from Howard Payne University with a degree in social work. My family is originally from El Paso,  and I grew up in San Antonio. I’ll be writing this blog discussing various issues surrounding payday and auto title lending. Payday lending is a complex issue that’s targeting the financial welfare of Texas families. I’ll be updating this regularly leading up to and throughout Texas’ legislative session. Thank you for your interest, and I hope you join me in exploring how payday and auto title lending should be a concern for all Texans. Full Story »